2
Benefits0
Reward Categories—
Max Reward—
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
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Rewards Summary
PENDINGBenefits & Protections (Detailed) 2 Total
PENDINGShopping 2
6-Month Special Financing
6 months no interest on qualifying purchasesNo interest will be charged on qualifying purchases if the full promotional purchase amount is paid within 6 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional purchase is not paid in full within 6 months.
12-Month Special Financing
12 months no interest on qualifying purchasesNo interest will be charged on qualifying purchases if the full promotional purchase amount is paid within 12 months. Minimum monthly payments are required. Interest will be charged from the purchase date if the promotional purchase is not paid in full within 12 months.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDINGInterest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Graco Credit Card, issued by Synchrony, typically offers special financing options or an initial discount (e.g., 10-20% off) on the first purchase. Eligibility requirements for 2026 are expected to remain consistent with Synchrony's standard criteria: applicants must be at least 18 years old (19 in Alabama and Nebraska), possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), have a U.S. residential address (not a P.O. Box), and demonstrate the ability to make payments. A fair to good credit score is generally required, though store cards can sometimes be more lenient than general-purpose credit cards.
Max Cards Per Issuer: 5
Min Spend Interval: N/A (first purchase discount)
Cliff Effect Rules: Synchrony does not typically enforce 'cliff effect' rules similar to general-purpose credit card families. However, approval for new Synchrony cards is heavily influenced by a cardholder's existing Synchrony credit exposure and payment history across all Synchrony accounts. High existing credit limits or recent negative payment history with Synchrony can lead to denials or lower credit limits on new applications.
Special Events: Expect exclusive cardholder discounts during Graco-specific sales events (e.g., seasonal baby gear sales, new product launches), special financing offers on larger purchases, and potential double rewards days (if a loyalty program beyond basic financing is introduced).
Holiday Promos: Key promotional periods will likely include Black Friday, Cyber Monday, Mother's Day, Father's Day, and the general Christmas/Holiday shopping season, often featuring enhanced financing or additional discounts for cardholders.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Offers special financing on large purchases, no annual fee, useful for specific home-related store purchases within the Synchrony HOME network.
Top Negative:
High APR after promotional period, customer service can be difficult, limited use outside of Synchrony HOME network, can be difficult to manage deferred interest promotions.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One QuicksilverOne
Card Value Score: 65.0 / 100
Est. Annual Rewards: $15.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023